12966 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12966 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,407 sqft · built 1980
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jul 2022)
Tax Bill	$8,610 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8205-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8205-9`
Alternative APNs	`09-30-15-38002-003-0060` `301509380020030060` `153009380020030060` `R101464`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,407 sqft Living Area
Gross Area	1,840 sqft
1st Floor Area	1,407 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	15 sqft
Deck Area	450 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101464
Street Address	12966 115TH ST
City	LARGO
State	FL
Zip	33778-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHER HILLS BLK C, LOT 6
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Tract	38002
Legal Block	C
Legal Lot Number	6
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2017
Census Tract	25307

Owner

Source: Pinellas County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15041 CATALINA TER, COUNCIL BLUFFS, IA 51503-2410
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST
Sep 15, 2021	Special Warranty Deed, Transfer · Conventional Mortgage SG CAPITAL PARTNERS LLC
Apr 19, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Sep 15, 2021 · Amount on Record
Deed Document Number	2022221326
Deed Book / Page	22138 / 406
Transfer Doc	1096001151
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12966 115TH ST, LARGO, FL 33778-1803
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15041 CATALINA TER, COUNCIL BLUFFS, IA 51503-2410

Mortgage

Document Number	0221380408
Date	Jul 18, 2022
Book Page	22138/408
Instrument	2022221327

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	OMAHA, NE 68114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	12.8%

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 15, 2021
Property Address	12966 115TH ST, LARGO, FL 33778-1803
Document Number	0217170182
Book / Page	21717 / 182
Map Reference	MB 79 PG 21
Instrument Date	Aug 30, 2021
Instrument	2021302524
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 2015, REDONDO BEACH, CA 90278-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12966 115TH ST, LARGO, FL 33778-1803

Mortgage

Document Number	21717185
Date	Sep 15, 2021
Instrument	21717/185

Lender

Name	SG CAPITAL PARTNERS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 19, 2021
Property Address	12966 115TH ST, LARGO, FL 33778-1803
Document Number	0214922331
Book / Page	21492 / 2331
Map Reference	MB 79 PG 21&22
Instrument Date	Apr 12, 2021
Instrument	2021127824
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6438 126TH AVE, 6438, LARGO, FL 33773-1850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Largo City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,610.00 (+6.97%)	$453,488 (+10.45%) Land $145,537 Building $307,951	$453,488 (+10.45%) Land $145,537 Building $307,951
2024	$8,049.00 (+3.67%)
2023	$7,764.00 (+14.9%)	$410,566 (+15.6%)	$410,566 (+15.6%) Land $158,720 Building $251,846
2022	$6,757.00	$355,169	$355,169 Land $161,618 Building $193,551

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2020) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 493 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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